544 16th Ter NWBirminghamAL35215
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 544 16th Ter NW, Birmingham, AL, 35215 in Birmingham speaks for itself: 21.53% gross on a $155,800 price, generating $2,795/mo in rent and $1,865/mo in net income after the $701/mo debt service. DSCR 3.99, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,380 stacks alongside $43,045 in projected five-year appreciation and $1,435/yr in principal reduction. Projected total cumulative return: $178,937.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.5% | 7.2% |
| Monthly Cash Flow | $1,865 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,795 |
| Total Monthly Debt Service | $868 |
| DSCR Ratio | 3.22x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1968
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35215, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,407 (100%) |
| Owner Occupied HU | 8,913 (45.9%) |
| Renter Occupied HU | 7,980 (41.1%) |
| Vacant Housing Units | 2,514 (13.0%) |
| Median Home Value | $162,989 |
| Average Home Value | $234,141 |
Housing Distribution
Address Breakdown
Residential
19,014
Single Family
15,777
Multi-Family
3,237
Businesses
835
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1968
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35215, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,407 (100%) |
| Owner Occupied HU | 8,913 (45.9%) |
| Renter Occupied HU | 7,980 (41.1%) |
| Vacant Housing Units | 2,514 (13.0%) |
| Median Home Value | $162,989 |
| Average Home Value | $234,141 |
Housing Distribution
Address Breakdown
Residential
19,014
Single Family
15,777
Multi-Family
3,237
Businesses
835
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A